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MarylandAccident and Health or Sickness Producer Series 20-24 Exam Question and Answers

MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Last Update Oct 15, 2025
Total Questions : 90

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Questions 1

Which benefit is usually excluded from major medical expense plan coverage?

Options:

A.  

Hospice care

B.  

Prescription drugs

C.  

Routine dental care

D.  

Physical therapy

Discussion 0
Questions 2

If an individual’s occupation is considered to be illegal:

Options:

A.  

It must be stated as such on an accident and health insurance application

B.  

It may require a waiver on a disability income insurance policy

C.  

It may result in a denial of a disability income claim

D.  

It results in a substandard rating on an accident and health insurance policy

Discussion 0
Questions 3

A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

Options:

A.  

Routine physical examinations

B.  

Well-baby or well-child care

C.  

Dental and vision care

D.  

Emergency services

Discussion 0
Questions 4

All of the following factors may affect premium determination in individual life insurance EXCEPT:

Options:

A.  

Age

B.  

Health

C.  

Occupation

D.  

Race

Discussion 0
Questions 5

It is unlawful for a person to provide an advertisement that:

Options:

A.  

Points out coverage advantages of a policy

B.  

Refers to the insurer’s financial rating

C.  

Uses a policy title to misrepresent a coverage

D.  

Makes a comparison of benefits between policies

Discussion 0
Questions 6

An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company’s policy was superior to a competitor’s product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

Options:

A.  

Fraud

B.  

Discrimination

C.  

Twisting

D.  

Rebating

Discussion 0
Questions 7

An elimination period in a disability income insurance policy is the:

Options:

A.  

Period between the start of a disability and the beginning of benefits

B.  

Time during which benefits are paid under the policy

C.  

Same as the probationary period

D.  

Time period the policy is in force

Discussion 0
Questions 8

If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

Options:

A.  

Refer the employer to a licensed insurance producer

B.  

Help the employer sign-up through the SHOP Exchange

C.  

Refer the employer to the carrier where a friend works

D.  

Refer the employer to the Maryland Insurance Administration

Discussion 0
Questions 9

When the insured’s willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:

Options:

A.  

The insurer must continue the insurance policy in full force

B.  

The insurer may cancel the policy only at the expiration or renewal date

C.  

The policy is automatically void

D.  

The policy is voidable at the insurer’s option

Discussion 0
Questions 10

An insurance adviser’s written contract with the client must include all of the following EXCEPT:

Options:

A.  

Expiration date of the consultant’s license

B.  

Amount of the fee

C.  

Duration of the contract

D.  

Disclosure as to whether commissions may be received

Discussion 0
Questions 11

A disability income insurance policy typically provides coverage for disabilities resulting from:

Options:

A.  

Accidents only

B.  

Sickness only

C.  

Both accidents and sickness

D.  

Occupational accidents only

Discussion 0
Questions 12

In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer’s business records?

Options:

A.  

Records can only be accessed by an order of a state court

B.  

Authorization must come from the National Association of Insurance Commissioners (NAIC)

C.  

Records must be produced upon the request of the Maryland Insurance Administration

D.  

The Maryland Insurance Administration has no right to access a producer’s business records because of privacy considerations

Discussion 0
Questions 13

Medical charges that fall within the range of fees normally charged for a given procedure in a certain geographical area are called:

Options:

A.  

Reasonable and customary charges

B.  

Preapproved charges

C.  

Utilization charges

D.  

Scheduled charges

Discussion 0
Questions 14

The free-look period provided in a life insurance policy is usually:

Options:

A.  

10 days

B.  

31 days

C.  

45 days

D.  

60 days

Discussion 0
Questions 15

Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

Options:

A.  

Medicare supplement

B.  

Major medical expense

C.  

Long-term care insurance

D.  

Long-term disability

Discussion 0
Questions 16

In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child’s:

Options:

A.  

Continued insurability

B.  

Incapacity only

C.  

Incapacity and dependency upon reaching the age limit

D.  

Dependency for the first two years of continued coverage only

Discussion 0
Questions 17

Which expenses are covered by Medicare Part D?

Options:

A.  

Medical

B.  

Hospital

C.  

Prescription drug

D.  

Dental

Discussion 0
Questions 18

Misrepresenting pertinent policy provisions relating to coverages after a loss is:

Options:

A.  

A concealment in insurance applications

B.  

An unfair claim settlement practice

C.  

An unfair discrimination between individuals

D.  

A violation of the principle of adhesion

Discussion 0
Questions 19

A policy of life insurance may NOT be delivered unless the policy has a:

Options:

A.  

Legible and brief description of the policy on the first page

B.  

Notary seal

C.  

Premium coupon book

D.  

Financial statement of the life insurance company

Discussion 0
Questions 20

In accident and health insurance, a waiting period for pre-existing conditions means that:

Options:

A.  

Coverage for pre-existing conditions is permanently excluded by a new insurer

B.  

Coverage for pre-existing conditions starts at the inception of the new policy

C.  

Payment for expenses resulting from pre-existing conditions is held in escrow

D.  

A period of time must elapse before pre-existing conditions are covered

Discussion 0
Questions 21

Medicare Supplement insurance is specifically designed for individuals who:

Options:

A.  

Have low incomes and limited assets

B.  

Have enrolled in Medicare

C.  

Cannot obtain commercial coverage due to health problems

D.  

Are ineligible for coverage under an employer group accident and health plan

Discussion 0
Questions 22

Pat owns a small business and is interested in enrolling her son in the Maryland Children’s Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

Options:

A.  

A SHOP Exchange Navigator

B.  

The Maryland Insurance Commissioner

C.  

An Insurance Producer authorized to work in the SHOP Exchange

D.  

A certified Navigator or authorized Producer for the Individual Exchange

Discussion 0
Questions 23

Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

Options:

A.  

The policyowner

B.  

The beneficiary

C.  

The insurer

D.  

The producer

Discussion 0
Questions 24

Medical expense insurance typically EXCLUDES coverage for treatment of:

Options:

A.  

Chronic back pain

B.  

Eating disorders

C.  

Intentionally self-inflicted injuries

D.  

Undiagnosed diseases

Discussion 0
Questions 25

Coverage for the first three pints of blood for Medicare enrollees is:

Options:

A.  

A Medicare Supplement additional benefit

B.  

A Medicare Supplement core benefit

C.  

A Medicare Part A benefit

D.  

A Medicare Part B benefit

Discussion 0
Questions 26

Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

Options:

A.  

Report of a physical examination

B.  

Applicant’s family’s consent

C.  

Copy of the person’s living will

D.  

Power of attorney

Discussion 0
Questions 27

In Maryland, a group accident and health certificate of insurance must contain:

Options:

A.  

A copy of the group contract

B.  

A list of all participating physicians

C.  

The insurer’s financial statement

D.  

A summary of policy features and benefits

Discussion 0